Car Insurance in Florida
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- Coverage from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Florida car insurance quotes
Car insurance for Florida drivers is 66% more expensive than than the national average at $1462 for a 6-month policy. Those in Florida wishing to cut costs can opt for only liability insurance, priced at $413 for a 6-month policy.
As in other states, Floridians' car insurance rates are influenced by numerous elements, such as the age of the driver and their driving record. The Zebra's experts have analyzed Florida car insurance quotes for multiple driver profiles, coverages, and companies to match you with the best policy.
Continue reading to learn how much auto insurance costs in Florida, or if you're ready to see how much you can save, submit your ZIP code above to receive personalized quotes from top insurance companies
The best car insurance in Florida - The Zebra's Picks
Travelers' average monthly cost of $169 is cheaper than Florida's average of $244 a month.
Travelers offers the lowest full coverage insurance at $168 per month.
We recommend beginning, not ending, your search for cheap car insurance coverage in Florida with our picks. The chart above shows rates for some of the top car insurance companies in Florida and their average rates for full coverage policies. Don't forget to get personalized quotes to see if one of our recommendations is the best fit for you.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Compare Florida car insurance quotes and companies with The Zebra
Cheap liability coverage in Florida
In Florida, the average cost for liability coverage is $413 per 6-month period. Below, we show the annual cost from the most popular companies in Florida for liability coverage, a fraction of the average paid for full coverage insurance.
Given the significant role coverage level plays in premium pricing, it may be tempting to stick with the liability-only coverage as 38% of Floridians do. However, most insurance professionals would advise against this as it leaves you and your vehicle exposed to risk. While opting for only liability coverage in Florida might be risky, we've still listed the most affordable liability-only options below for your reference.
Florida liability coverage requirements:
- Property Damage Liability: $10,000 per accident
- Personal Injury Protection: $10,000 per person
Rather than requiring bodily injury liability coverage (usually mandatory), Florida drivers instead rely on personal injury protection (PIP) to cover injuries due to Florida's status as a no-fault state. This differs from other states which typically require bodily injury liability coverage.
Cheap full coverage car insurance in Florida
In Florida, you can expect to pay around $1462 for a 6-month, $500 deductible full coverage insurance policy. While this is substantially more than liability-only car insurance in Florida, The Zebra usually recommends adding comprehensive and collision coverage (aka, full coverage) insurance if your vehicle is worth $4,000+. This is because liability-only insurance does not adequately protect you against the costs of car accidents, thefts, vandalism, or weather incidents. About 81% of The Zebra's drivers select full coverage.
Other optional coverages (which vary by carrier) include:
- Bodily injury liability
- Medical payments
- Roadside assistance
- Uninsured/underinsured motorist coverage
Cheap auto insurance in Florida for young drivers
Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Florida, teen drivers between the ages of 16 and 19 pay $6,295 per year — which is $4,766 more than the national average and 160% higher than what a 30-year-old Florida driver would pay.
Find the best coverage and price in Florida with The Zebra
Florida auto insurance costs after an accident or ticket
A history of accidents or tickets can play a big role in how much you pay. This is because your driving history is another indicator of risk — and risk is something insurance companies want to avoid. Having a recent at-fault accident in your driving record could raise your premiums by as much as $992 per year.
When you receive a ticket, your car insurance rates will probably go up. How much your rate will increase depends on the violation, your car insurance company's pricing standards and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
See below average auto insurance rates in Florida after a few common citations.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$2,923||0%||$0|
|Two Med/PIP claims||$3,139||7%||$216|
|One comp claim||$3,159||8%||$236|
|Two comp claims||$3,256||11%||$333|
|Child safety restraint||$3,306||13%||$383|
|Failure to wear a seat belt||$3,306||13%||$383|
|Failure to show documents||$3,317||13%||$394|
|Driving without lights||$3,317||13%||$394|
|Speeding 6 - 10 MPH over limit||$3,352||15%||$429|
|Passing school bus||$3,391||16%||$468|
|Wrong way/wrong lane||$3,406||17%||$483|
|Failure to stop at a red light||$3,411||17%||$488|
|Failure to yield||$3,411||17%||$488|
|Cell phone violation||$3,417||17%||$494|
|Driving with expired registration||$3,417||17%||$494|
|Following too closely||$3,417||17%||$494|
|Texting while driving||$3,427||17%||$504|
|Speeding 11 - 15 MPH over limit||$3,478||19%||$555|
|Driving too slowly||$3,506||20%||$582|
|Speeding in school zone||$3,506||20%||$582|
|Speeding 16 - 20 MPH over limit||$3,607||23%||$684|
|Speeding 21 - 25 MPH over limit||$3,630||24%||$707|
|Operating a vehicle without permission||$3,674||26%||$751|
|In 65 MPH zone||$3,878||33%||$955|
|At-fault accident - less than $1000||$4,122||41%||$1,199|
|At-fault accident - greater than $2000||$4,201||44%||$1,278|
|At-fault accident - $1000-$2000||$4,201||44%||$1,278|
|Refusal to submit to a chemical test||$4,488||54%||$1,565|
|Driving with a suspended license||$4,599||57%||$1,676|
|Leaving scene of an accident/hit and run||$4,705||61%||$1,782|
The Zebra's guide to Florida car insurance laws
Violations like reckless driving or a DUI will require you to make changes to your insurance policy.
Learn more about car insurance requirements in the state of Florida with our helpful guide. Or, see our brief explanations of how DUIs and SR22s affect your insurance below.
Florida DUI laws
In Florida, a DUI offense can increase your annual car insurance premium by over 50%. Finding affordable auto insurance after a DUI violation can be a challenge. In fact, a DUI often triggers a bigger premium increase than most single road violations.
Low-cost car insurance after a DUI in Florida
If you're convicted of a DUI violation in Florida, it’s important to assess each of your insurance choices carefully. Car insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Florida, Travelers, advertises annual rates 35% less than the statewide average insurance rate with a DUI. The second cheapest insurer for auto insurance after a DUI in Florida is State Farm, while the most expensive is United, with prices 26% above average.
There is no insurer in particular that offers an inexpensive DUI car insurance rate that's comparable to a rate without a DUI on your record. The recommended way to save after a DUI citation is to shop around with as many companies as possible.
Florida SR22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Florida to ensure that you remain insured.
Florida also has an FR-44 form, which is similar to an SR-22 except that it often requires much higher levels of liability coverage. Finding cheap auto insurance with an SR-22 in Florida might require some research, but it could pay off in the end.
Find an affordable policy in Florida in minutes!
Car insurance price trends in Florida
In Florida, average annual auto insurance costs increased by $101 in the past year. A typical Florida driver pays an average of $1462/6-months compared to national average of for a full coverage auto insurance.
Year over year pricing trends in Florida gravitate from sharp increases — sometimes by as much as hundreds of dollars — and less commonly, slight dips. The steepest decrease occurred from 2013 to 2014, while the highest surge took place from 2015 to 2016. In contrast, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.
|Year||Avg. Annual Premium — Florida||Yearly Change — Florida||Avg. Annual Premium — US||Yearly Change — US|
Some of the reasons for Florida's more expensive insurance costs include the state's higher levels of insurance fraud and its larger-than-average number of uninsured drivers.
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP code below to get started.
Florida car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Florida auto insurance.
How much is car insurance in Florida?
As of September 2023, full coverage car insurance for Florida drivers averages $244 per month. This is 66% more expensive than the national average. Those in Florida wishing to cut costs can opt for only liability insurance, priced at $69/month but they risk not being adequately protected in the event of an accident.
Do you need car insurance in Florida?
Yes, Florida drivers are legally required to have at least $10,000 in Property Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). This is supposed to protect not-at-fault parties and ensure at-fault drivers have insurance to cover basic injury and damage costs.
Why is car insurance so expensive in Florida?
Florida’s average insurance premiums are some of the most expensive in the country due to the state's number of uninsured drivers, higher-risk drivers, unpredictable weather, and mandatory insurance laws.
Who has the cheapest car insurance in Florida?
Travelers has the cheapest rates in Florida for a full coverage policy. State Farm also offers rates that are lower than average. The best way to find the cheapest car insurance in Florida is to compare auto insurance quotes from as many companies as possible.
Overpaying for car insurance? Compare quotes to discover how much you can save.
Learn more about car insurance in Florida
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- Car Insurance in Hialeah, FL
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.